Health Insurance
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Term Insurance
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Life Insurance
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Network hospitals
8500+
Claim settlement ratio
99.90%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.67
Pan India Presence
77
Network hospitals
8500+
Claim settlement ratio
99.90%
Sum insured
Up to 3 CR
No. of Plans
16
Solvency Ratio
1.67
Pan India Presence
77
Manipal Cigna LifeTime Health Insurance is a reliable health plan that prioritizes your healthcare needs and looks after them. ManipalCigna Lifetime Health Plan offers a multitude of comprehensive benefits for domestic and global healthcare expenses. ManipalCigna Lifetime Health plan offers high-sum insured options available in the policy, ranging between Rs. 50 Lakh and Rs. 3 Crore which you can choose as per your requirements each, for coverages in India and abroad. ManipalCigna LIfetime Health offers coverage on an individual as well as family floater basis. The plan offers 2 variants: LifeTime Health India Plan & LifeTime Global Plan.
The plan covers you at every stage of life with benefits such as cover for medical and surgical expenses incurred due to treatment of any disease or injury. ManipalCigna Lifetime Health also offers AYUSH treatment expenses, organ donor expenses, mental care, modern and advanced treatment, HIV/AIDs and STD coverage, etc. ManipalCigna Lifetime Health is an excellent choice to cover yourself and your family members. The policy covers you for 1, 2, or 3 years as per your requirements.
91 days to 25 Years
Maximum: 65 Years
Individual / Family Floater
1 / 2 / 3 year
50 L | 75 L | 1Cr | 1.5 Cr | 2 Cr | 3 Cr
30 Days
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
With wide coverage options, Lifetime Health plan lets you customize your health insurance plan as per your requirements:
Coverage for SI: 50L - 3 Cr
Room Rent
Upto SI
ICU Charges
Upto SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Up to 10% of SI
Daycare Treatment
Covered upto SI
OPD Charges
Covered
COVID-19 Treatment
Not Covered
Cataract
Not Covered
No Claim Bonus
Not Available
Automatic Restoration
100% restoration of SI
Daily Hospital Cash
Covered Up to INR 2.5K
Organ Donor
Covered up to SI
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Available
Modern Treatment
Covered up to SI
Ambulance
Covered up to SI
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Available
Health Check-Up
Available Annually
Second Medical Opinion
Available for 27 listed Major Illnesses
Vaccination
Not Available
Co-payment
Not Applicable
Sub-limits
Not Available
Coverage for SI: 50L - 3 Cr
Room Rent
Upto SI
ICU Charges
Upto SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Up to 10% of SI
Daycare Treatment
Covered upto SI
OPD Charges
Covered
COVID-19 Treatment
Not Covered
Cataract
Not Covered
No Claim Bonus
Not Available
Automatic Restoration
100% restoration of SI
Daily Hospital Cash
Covered Up to INR 25K
Organ Donor
Covered up to SI
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Covered up to SI
IVF Treatment
Not Available
Modern Treatment
Covered up to SI
Ambulance
Covered up to SI
Air Ambulance
Available, limited to one event per Policy Year.
Compassionate Travel
Not Available
Global Coverage
Available
E-Consultation
Available
Health Check-Up
Available Annually
Second Medical Opinion
Available for 27 listed Major Illnesses
Vaccination
Available
Co-payment
Not Applicable
Sub-limits
Not Available
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Coverage status under ManipalCigna Lifetime Health Plan?
For Global and India Plan Sum Insured 2 Cr - Covered up to any roomexcept for the suite or higher category
For Sum Insured 3 Cr Covered up to any room including suite category.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under ManipalCigna Lifetime Health Plan?
Under this plan, ICU charges coverage is available up to the SI.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under ManipalCigna Lifetime Health Plan?
This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under ManipalCigna Lifetime Health Plan?
This plan covers medical expenses incurred during post-hospitalization for up to 180 days.
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under ManipalCigna Lifetime Health Plan?
Under Lifetime Health Plan, domiciliary hospitalizations are covered by Up to 10% of the Sum Insured, for expenses incurred in India.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under ManipalCigna Lifetime Health Plan?
This plan covers expenses of all Day Care Treatments, availed in India, covered up to the full Sum Insured.
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under ManipalCigna Lifetime Health Plan?
OPD is covered under the plan.
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under ManipalCigna Lifetime Health Plan?
COVID-19 treatment cover is unavailable under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under ManipalCigna Lifetime Health Plan?
The plan does not cover Cataract Treatment.
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under ManipalCigna Lifetime Health Plan?
The plan does not offer a No Claim Bonus.
Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.
Coverage status under ManipalCigna Lifetime Health Plan?
The plan reloads the sum insured amount by 100% for a subsequent and unrelated illness.
It is a cash amount that you will get each day during the time of hospitalization.
Coverage status under ManipalCigna Lifetime Health Plan?
Rs. 2,500 under Health+ Optional cover for treatment of a Major Illness
Rs. 2,500 under Health+ Optional cover for Injury due to an accident.
Rs. 25,000 under Global+ Optional cover for treatment of a covered Major Illness, outside India.
Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under ManipalCigna Lifetime Health Plan?
Under the plan, Organ Donor expenses are covered up to the SI.
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under ManipalCigna Lifetime Health Plan?
Not covered
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:
Coverage status under ManipalCigna Lifetime Health Plan?
Not covered
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under ManipalCigna Lifetime Health Plan?
AYUSH treatment is covered up to SI.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under ManipalCigna Lifetime Health Plan?
Not Available
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under ManipalCigna Lifetime Health Plan?
Under this plan, Modern treatment is covered up to SI.
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under ManipalCigna Lifetime Health Plan?
This plan covers Ambulance charges up to SI.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under ManipalCigna Lifetime Health Plan?
The plan covers International Emergency Assistance Services (including Air Ambulance) available up to the full Sum Insured.
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under ManipalCigna Lifetime Health Plan?
Not available
Any kind of medical/health emergency when you are outside of India.
Coverage status under ManipalCigna Lifetime Health Plan?
Hospitalization coverage for major illnesses
Global Pre-Hospitalization expenses covered up to 60 days
Global Post-Hospitalization expenses covered up to 180 days
Global Ambulance cover is available
Global Vaccination covered up to Sum Insured
Advanced and modern treatments are available
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under ManipalCigna Lifetime Health Plan?
The plan does cover the expenses for E-consultation if the policyholder opts for Health+ optional package.
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under ManipalCigna Lifetime Health Plan?
The plan offers an Annual Health Check-up benefit from Day 1.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under ManipalCigna Lifetime Health Plan?
The plan covers the expenses for Second Medical Opinion for major illnesses if the policyholder opts for the Health+ optional package.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under ManipalCigna Lifetime Health Plan?
The plan covers vaccination up to SI.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under ManipalCigna Lifetime Health Plan?
Co-payment is not applicable.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.
Coverage status under ManipalCigna Lifetime Health Plan?
No sub-limits are available
Permanent diseases or health conditions that are not included under Manipal Cigna Lifetime Health plan are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
Miscarriage, and abortion
AIDS
Congenital disease
Infertility and in vitro fertilization
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Listed ailments after 24 Months
Pre-existing diseases after 24 Months
Earn rewards by staying fit
Avail enhanced protection with additional coverage options
Get tax relief under section 80D
Avail Long-Term Loyalty Discounts
The plan lets the policyholder earn up to 30% of their premium as Health Returns if they follow a healthy lifestyle and stay fit.
The plan offers several optional covers that allow you to get enhanced coverage and help you to customize your plan as per your needs and requirements.
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
The plan offers a 5% discount from the 4th policy year to the 7th policy year and a 10% discount from the 8th policy year onwards.
Know more about Know more about Manipal Cigna Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:
Click to know the claim process of Manipal Cigna Health Insurance.
Click to know the buying process of Manipal Cigna Health Insurance .
For any query related to the policy get in touch with the Manipal Cigna Health Insurance
Click to know the renewal process of Manipal Cigna Health Insurance
Click here to calculate Manipal Cigna Health Insurance Premium
Know more about ManipalCigna Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:
Comprehensive Plan
A comprehensive plan with SI up to 1Cr and 3 different variants. It is a versatile health insurance plan for your medical needs.
Unique Features
Comprehensive Plan
A high SI plan for women's medical requirements. The plan covers major critical illnesses including cancer treatment.
Unique Features
Comprehensive Plan
A comprehensive plan with 5 different variants suitable for individuals and young couples, offering sum insured up to 1Cr.
Unique Features
Affordable Plan
An affordable plan that offers added coverage to the policyholder and keeps them covered above and beyond their basic health plan.
Unique Features
Affordable Plan
A fully customizable health plan according to your needs with ProHealth Select at an affordable premium.
Unique Features
Affordable Plan
The plan offers daily cash to the family members of the patient to cover the miscellaneous expenses.
Unique Features
Affordable Plan
An affordable, standard health insurance plan for individuals and family members with up to 10L sum assured.
Unique Features
Affordable Plan
An affordable plan providing lump sum benefits equal to 100% of the Sum Insured on a positive diagnosis of Covid.
Unique Features
Affordable Plan
A Standard health insurance plan for Coronavirus disease providing hospital to homecare treatment up to SI.
Unique Features
Critical Illness Plan
A protection plan that offers support to you and your family against up to 30 critical illnesses with a high sum assured to choose from up to 25Cr.
Unique Features
Accident Plan
A plan that provides complete protection, on and off the job, including death, disability, loss of job, and financial protection.
Unique Features
Accident Plan
Personal Accident policy to safeguard you from unexpected expenses arising from death or serious injuries.
Unique Features
Group Plan
A health insurance solution for Employer-Employee and Non-Employer-Employee groups. A plan offering sum assured up to 1Cr.
Unique Features
Group Plan
An all-in-one plan offering sum assured up to 50Cr and Umbrella cover of Group - Personal Accident and/or Critical Illness.
Unique Features
Group Plan
A plan offering sum assured up to 5 Cr and a range of covers including Accident, Mediclaim, Surgery, Domestic Travel, and Wellness.
Unique Features
Group Plan
Group overseas travel insurance offers all-around coverages for business trips, vacations, and more. The plan offers a sum assured up to $ 50 Lac.
Unique Features
Group Plan
A comprehensive group plan that covers Indian locals and expatriates working abroad under one umbrella with a sum assured of up to $ 10 Million.
Unique Features
ManipalCigna Health Insurance Network Hospitals are present in 30 states nationwide. With a wide network of hospitals, ManipalCigna Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
ManipalCigna LifeTime Health plan is available in two variants: Domestic Plan and Global Plan, with sum options of INR 50 lakh, INR 75 lakh, INR 1 crore, INR 1.5 crore, INR 2 crore, and INR 3 crore.
The following are the waiting periods under the policy:
Minimum age at entry: 91 days for Children and 18 years for Adults.
Maximum age at entry: 25 years for children under a floater and 65 for Adults
ManipalCigna LifeTime Health plan can be renewed lifetime and there is no exit age in this policy.
Poonam Sinha
Surat
December 9, 2022
Mujhe khaas kar inki service best lagi. Policyx se mai hamesha services lungi. Maininki services se khush hu
Santokh Singh Sethi
Delhi
September 14, 2022
I was great experience with policyx, the way the compare the plan is very good and web site is also easy to understand... I will suggest go with Policyx only
Asleen
Indore
May 26, 2022
Good company, satisfied with the plan bought from ManipalCigna and also with all the benefits the plan provides me with.
jasvinder singh
Delhi
March 25, 2022
very nice service by policyx.com and as well from manipal cigna during the claim period. easy claim settelment.
diya sharma
Chandigarh
February 21, 2022
only big companies are trusted generally but new companies are also good. satisfied service and customer satisfaction is full
Ramesh Kumar
Hyderabad
November 22, 2021
they have great impressive plans to offer. very amazing and helpful customer service. helped me a lot at the time of claim settlement
Ravi Rajora
Delhi
October 28, 2021
Quick reimbursement process with good and supportive claim team... customer care team is very efficient and helpful.
deepankar singh
Chandigarh
October 26, 2021
Good company with supportive customer care. I am very happy with the way the company settled my claim.
*T&C Apply